Beverage Cart Insurance
Get affordable, high-quality liability insurance for your beverage cart in 10 minutes or less with Food Liability Insurance Program (FLIP)!
Benefits of Beverage Cart Insurance
Whether your food cart sells smoothies, boba tea, or coffee, FLIP offers peace of mind with high-quality coverage to protect your mobile business.
Customizable Coverage
Create a comprehensive insurance plan for your business with add-on options to suit your unique needs.
Unlimited Additional Insureds
Include as many additional insureds as your business needs at no extra cost for reliable protection wherever your next job takes you.
Instant Quote Process
Protect your beverage cart business in minutes with our easy, online checkout for instant access to your policy information via our online user dashboard.
What Is Beverage Cart Insurance?
Beverage cart insurance is a general liability policy that protects you from third-party injury and property damage claims that might arise from your business operations. FLIP’s coverage can mitigate or even eliminate out-of-pocket costs from common claims.
Whether you sell juice on the go or you have a mobile coffee cart, insurance provides a safety net to protect you from major unexpected expenses.
Every business is different, so FLIP offers customizable options to give you exactly the coverage you need. You can increase your limits, get your gear covered, or add more coverages, so you have peace of mind while you do what you do best.
What Does Beverage Cart Insurance Cover?
FLIP’s basic beverage insurance policy covers common claims industry pros may face, like third-party bodily injury and property damage. This also includes beverage product insurance for any damages caused by the drinks you sell.
Drink vendors face a variety of risks while conducting business. For instance, what happens if a customer trips into your coffee cart and breaks their arm? Or if somebody gets food poisoning from your organic mocktails?
You could be held financially responsible for these injuries, but beverage company insurance can help with some or all of the costs.
Do Drink Carts Need Liability Insurance?
Yes! As a food industry business, your drink cart faces a unique set of liability risks. Just one claim can cost thousands of dollars or more, halting your operation and damaging your reputation.
Beverage cart and coffee business insurance from FLIP can protect your business from these unexpected expenses.
Who Needs Beverage Cart Insurance?
If your business makes or sells beverages of any kind, you need coverage.
Do you run a mobile cafe? You need coffee cart insurance.
Operate a small-batch botanical soda company? Stay covered with craft beverage insurance.
Making and selling drinks comes with risks, but carrying the right coverage ensures that you can cover the cost of claims that come your way.
Do Bartenders Need Beverage Company Insurance?
Yes, any beverage business that serves alcohol needs general liability and liquor liability insurance.
While general liability insurance for a beverage company covers third-party claims, like bodily injuries and product liability, it won’t respond to alcohol-related incidents — so you need both.
Most states have dram shop laws that hold businesses liable if an intoxicated customer hurts somebody or causes property damage. Liquor liability insurance is designed to cover you if you’re financially responsible for expenses like legal fees, hospital bills, or repair costs.
How Much Does Beverage Cart Insurance Cost?
The cost of beverage cart insurance starts at $25.92 per month or $299 per year. This price can change depending on three factors:
- Optional coverages you include
- Coverage limits you choose (amount of insurance)
- Your business’s gross income
FLIP also allows you to customize your plan with additional coverage options, including:
- Tools and Equipment Coverage (Inland Marine): Covers damaged or stolen equipment – starts at $8.25/Month
- Cyber Liability Insurance: Covers financial losses caused by cybercrime – $8.25/Month
- Professional Liability: Also known as Errors & Ommissions, covers claims that may arise from your business operations – $10.42/Month
Let’s Talk Numbers For Beverage Cart Insurance
Beverage Cart Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Operating a mobile drink business comes with a unique set of risks, which is where general liability coverage comes in. FLIP can protect you from pricey out-of-pocket claims like third-party bodily injury, property damage, products-completed operations, and more.
Product Liability
Aggregate Limit: $2,000,000
If a customer has an allergic reaction to one of your smoothies or gets food poisoning from your fresh-squeezed juice, you may be held liable for the associated costs. Product liability insurance can cover the bill.
Tools & Equipment (Inland Marine)
Aggregate Limit: $10,000
The tools of your trade are what keep your business rolling. Production and sales will screech to a halt if essential equipment — like blenders, espresso machines, or juicers — is damaged or stolen. Tools and equipment coverage can absorb some or all of the cost of repairing or replacing your gear.
Damage To Premises Rented
Aggregate Limit: $300,000
When your business is on the go, your financial responsibility extends to the places you set up shop. When you rent a space at events, organizers and property owners will require your liability insurance to cover them as well. FLIP provides unlimited additional insureds at no extra cost, protecting you and your partners from liability claims.
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Business Personal Property / Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Business Personal Property / Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
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FAQs About Insurance for Drink Carts
Does Beverage Cart Insurance Cover Liquor Sales?
FLIP’s base beverage cart insurance policy does not cover businesses that serve, sell, or provide alcohol — it’s a general liability policy. However, you can purchase a combined general liability and liquor liability policy starting at $37.75 a month.
If your business has alcohol on the menu, you will need this important coverage for alcohol-related accidents.
What Are the Risks of Running a Beverage Cart?
- A customer or bystander tripping over your equipment, causing bodily harm
- Someone damaging or stealing your business equipment
- A customer getting sick from a drink you served them
- A fire or disaster destroying your business equipment or causing property damage
Beverage insurance can help protect your business from these unexpected expenses, mitigating or even eliminating your out-of-pocket costs.
Why FLIP for Beverage Cart Insurance?
When you buy insurance you want to be sure it’s high-quality and reliable. Here are a few highlights of our coverage:
- Instant quote process
- 24/7 access to policy documents
- Convenient online purchasing
- Licensed nationwide*
- General liability
- Products and completed operations coverage
- Personal and advertising injury coverage
- Damage to premises rented coverage
- Business personal property coverage
*FLIP is not currently for sale in Missouri.
